Tct Credit Union
Earn up to 1.5% cashback at Tct Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at Tct Credit Union with a Fluz virtual card.
Available while supplies last.
Valid only at official store locations.
Offers are subject to change - check here before purchasing.
TCT Federal Credit Union serves teaching communities, school employees, local businesses, and families across parts of New York. It offers checking, savings, auto loans, homebuying resources, credit cards, student loans, card controls, digital banking, and member perks.
TCT Federal Credit Union has education roots and a practical product mix for members across New York communities such as Ballston Spa, Clifton Park, Cambridge, and Queensbury. The credit union supports checking, savings, credit cards, home equity, auto loans, student loan options, fraud awareness resources, card controls, and digital banking. Its teacher-focused programs and local business connections give it a distinct community role. Fluz helps eligible TCT cardholders add cashback to qualifying shopping, so members can make everyday purchases work harder for their budget.
What is a Fluz virtual card?
A Fluz virtual card is a digital-only payment card that comes with its own card number, expiration date, CVV, and billing address.
How does cashback work for my Fluz virtual cards?
You earn up to 1.5% cashback on Fluz Virtual Card purchases (sometimes more based on the merchant's offer) with no fees, credit checks, or minimum spend required.
What do I need to do before creating my first virtual card?
Verify your Fluz account by completing identity verification (KYC) and link a bank account to fund purchases.
Where can I use my Fluz Virtual Card, and how do I pay?
Anywhere Mastercard/Visa is accepted, including online and in-store via Apple Pay or Google Pay. If asked, Fluz virtual cards use the same PIN as your Fluz account.
How is my card funded, what are the limits, and when am I charged?
You can fund purchases with your Fluz balance or a linked bank account. You can set a card limit when generating a card, but you're only charged for the amount you actually spend.
Is the Fluz virtual card secure?
Yes. Your card details are protected with Face ID, PIN, or 2FA, and you can lock, unlock, or freeze cards anytime, with additional security controls and real-time alerts.